How can I figure out... Scenario: 10 years ago, Janice got a $200,000,30-year...

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Accounting

How can I figure out...
Scenario: 10 years ago, Janice got a $200,000,30-year mortgage with an annual interest rate of 7% and monthly payments.
What is her monthly payment?
How much does she owe today (after 120 payments)?
Janice is planning to move in 2 years.
How much will she owe in 2 years (after 144 payments)?
Option 1: Janice is considering making an extra payment of $250 each month for the next 2 years.
How much will she owe in 2 years (after 144 payments) if she makes an extra $250 payment every month starting with her next payment (payment 121)?
Option 2: Janice is considering refinancing the remaining balance on her loan (your answer to 2) along with $3,000 in closing costs into a new 20-year mortgage with an annual interest rate of 4% and monthly payments.
What would her monthly payment be with the new mortgage?
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